Byron, CA · Charter 10798
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Byron, CA · Charter 10798
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.49% | 4.46% | 4.55% | 0.43% | -9.41% | -1,390 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.11% | -1.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 83.59% | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -4.10% | -2.61% | 5.38% | 10.25% | -3.12% | +98 bps | |
| Loan Growth (YoY) | -12.89% | -27.28% | -27.90% | -19.37% | -17.23% | -434 bps | |
| Share Growth (YoY) | -5.71% | 5.11% | 5.70% | 10.28% | 0.68% | +639 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 1.41% | 3.95% | 5.16% | 1.66% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 0.87% | 1.09% | 0.33% | 3.91% | +289 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.94% | 76.16% | 69.46% | 70.18% | 68.19% | -1,475 bps | |
| Liquid Assets / Assets | 23.21% | 31.91% | 40.84% | 35.11% | 24.38% | +117 bps | |